Mortgage/Home Equity Rates

To apply for a mortgage call 800-267-0477

Rates Current as of 01/29/2024 and Annual Percentage Rate (APR) are subject to change. All loans listed above are 0 points loans. Not all members will qualify for these rates; other rates and terms are available. For more information on our MORTGAGES, start at our Home Loans page or Submit a MORTGAGE Loan Application. Edwards FCU is an Equal Housing Lender.

Loan TypeAPRTerm
Rates effective 12/15/2023
FIRST MORTGAGE LOANSAPR* As Low AsTERM (and/or Maximum Loan Amount)
Contact our Real Estate Lending Professionals.Rates change on a weekly basis.Call 800-267-0477 for more info.
HOME EQUITY LINE OF CREDIT (HELOC)APR* As Low AsTERM (and/or Maximum Loan Amount)
Up to 90% financing of primary residence’s appraised value. Initial draw of $10,000. Future advances of $500 minimum.Prime + 0.0% to Prime + 3.5**Draw period of 60 months. Up to 180 months term. Maximum $300,000.
Instructions for obtaining a HELOC or Home Equity Loan, Closed-End
1. Copy of Deed of Trust
2. Current First Mortgage Statement of Account
3. Copy of current Homeowners Insurance
4. Verification of employment and/or income may be necessary
Home Equity Loan (Closed-end) Example
$10,000 borrowed at 7.00% APR, 30 day due date
120 month term = monthly payments of approximately $116.15
Total finance charges = $3937.14
Total repaid is $13,937.14
All loans are subject to credit approval. Loan rates, terms and conditions are subject to change without notice.
Your actual loan rate may vary from the rates shown, and will be based on an evaluation of your credit profile.
*APR = Annual Percentage Rate
**Variable rate tied to the Prime Rate as published in the Wall Street Journal, rounded to the next 0.125%. This rate is changed quarterly. Maximum lifetime rate of 18%.

We Do Business in Accordance with the Federal Fair Housing Law

(The Fair Housing Amendments Act of 1988)

It is Illegal to Discriminate Against Any Person Because of Race, Color, Religion, Sex, Handicap, Familial Status, or National Origin

In the sale or rental of housing or residential lots In advertising the sale or rental of housing In the financing of housing
In the provision of real estate brokerage services In the appraisal of housing Blockbusting is also illegal
Anyone who feels he or she has been discriminated against may file a complaint of housing discrimination:
1-800-669-9777 (Toll Free)
1-800-927-9275 (TTY)
U.S. Department of Housing and Urban Development
Assistant Secretary for Fair Housing and Equal Opportunity
Washington, D.C. 20410


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